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Debt consolidation from a secured loan
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Probably best to sit tight until next year? Not withstanding making overpayments to the Nemo loan where possible? (No penalty for this.)
if you can make overpayments then that would make sense
of course you could consider trying for a unsecured loan of say 20k : if you can get this at a lower rate then use the money to reduce the Nemo loan (although the monthly repayments might be high as it probably won't be over such a long period)0
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